Legal

Privacy is important to everyone and we take the protection of your privacy seriously. Please take the time to review ivari’s Terms of Use for the website as well as our Privacy Policy and procedures.

Terms of Use

“Important! These Terms of Use govern your use of this Site. By accessing this Site, you are indicating your acknowledgment and acceptance of these Terms of Use without limitation or qualification. If you do not agree to be bound by these Terms of Use, you must not access or use the Site. These Terms of Use are subject to change, update and/or revision (collectively “change”) by ivari at any time, in its sole discretion. Your use of this Site after any such change is implemented constitutes your acknowledgment and acceptance of such change. Please consult these Terms of Use regularly.”

Introduction

ivari is concerned about the privacy rights of visitors to its Web sites ("Site") and the security of their data. Accordingly, we have adopted this Privacy Policy and Terms of Use ("Statement") for this site to ensure responsible use of the information you share with ivari (the term “ivari” includes all its affiliated and subsidiary companies).ivari only provides the Site and the products and services therein to residents or citizens of Canada ("Canadians"). The Site is not intended to be used by, to solicit business from, or to provide any information concerning products to be sold to, any person located outside Canada. ivari may at any time revise this Statement by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the then current Statement.

Basic definitions

Personal data is personal and/or confidential information that relates to you and your account, policy or contract with ivari.

Communications are any non-confidential and non-proprietary communications information, except for personal data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.

Personal information is any communication where you knowingly enter your personal information such as your name, address, social insurance number, or telephone number.

Non-personal information is any communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.

All communications, except for personal data, will be treated as non-confidential and non-proprietary, will become the property of ivari and may be used for purposes described herein.

ivari contact information

What information is collected and use of information

In general, you can visit the Site while remaining anonymous by not providing any personal information. In some cases, non-personal information may be automatically collected, such as your Internet browser, computer operating system, Internet protocol address, domain name of your Internet service provider and/or the Web site from which you linked to our Site.

ivari's collection and use of personal information

Personal information about you (e.g., your name, address, telephone number, social insurance number, and/or email) will not be collected unless you provide it to ivari voluntarily. We will explain to you how we intend to use personal information, either before or at the time when that information is collected. For example, ivari retains email addresses of visitors who respond to the Site's email forms, online forms, registration forms, and surveys and contest entries. ivari also retains information about the frequency of Site visits, length of time of the visit, and aggregate information on which site page visitors access. ivari will collect only such personal information that it requires and use it only for the purposes explained to you, including those described in this statement. ivari will obtain your consent if it intends to use personal information for any other purpose.

ivari's use of cookies

ivari sends all Internet visitors "cookies". A cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. ivari's cookie enables the Site to recognize you if you have a ivari account or have utilized certain Site features. In addition, the cookie may recall information so that you do not have to re-submit it, and also automatically updates Site information. You may be able to program your browser software to notify you of attempts to send cookies and/or you may decline or delete them.

ivari's search engine does not record personal information

When you perform a search with ivari's search engine, ivari does not record information identifying you or linking you to the search performed. As necessary to provide service, ivari does record limited information for every search request and uses that information only to solve technical problems with the Site, to calculate overall usage statistics, and to improve the structure and content of the Site.

ivari's use of communications for requests

ivari will primarily use communications to respond to your request(s). ivari may use personal information for editorial and feedback purposes, marketing and promotional purposes, reproduction, disclosure, transmission, publication, broadcast or posting, and for a statistical analysis of users' behavior. Furthermore, ivari retains the right to use ideas, concepts, know-how, or techniques contained in any communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-personal information may be aggregated for internal review and used to improve the Site's content and its structure. Personal information will be discarded, deleted, or converted into an anonymous form when it is no longer required by ivari for its business purposes.

ivari does not distribute personal data or communications to third parties

ivari will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether personal data or communications) to third parties. ivari will provide such information to its suppliers and agents who assist ivari to serve you or where ivari is required to provide such information by law.

When you choose not to provide personal information

When you choose not to provide a personally identifiable communication, ivari may not be able to respond to your request. You may receive an error message displayed on your browser.

How to access, update and correct personal information

INFORMATION SHARED WITH ivari

ivari's security measures for personal information

ivari will take appropriate steps and security measures to protect all personal information you share with ivari. Whenever you provide the Site with personal data, ivari will take commercially reasonable steps to establish a secure connection with your Web browser. Remember that email over the Internet is generally unencrypted and not secure or private.

THE SITE CONTAINS SECURED AND NON-SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. ivari IS HEADQUARTERED IN CANADA AND HAS OFFICES IN OTHER COUNTRIES INCLUDING THE UNITED STATES. YOU ACKNOWLEDGE THAT INFORMATION YOU PROVIDE TO ivari OR THAT ivari OBTAINS AS A RESULT OF YOUR USE OF THIS SITE MAY BE COLLECTED IN CANADA AND SUBSEQUENTLY TRANSFERRED TO THE UNITED STATES OR ANOTHER COUNTRY IN ACCORDANCE WITH APPLICABLE LAW. THE PRIVACY AND DATA PROTECTION LAWS IN THE UNITED STATES MAY NOT BE EQUIVALENT TO SUCH LAWS IN CANADA. BY USING AND PARTICIPATING IN THIS SITE OR PROVIDING ivari WITH INFORMATION, YOU CONSENT TO THE COLLECTION, INTERNATIONAL TRANSFER, STORAGE, AND PROCESSING OF YOUR INFORMATION.YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. ivari CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION THAT YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.

Passwords used for this Site (if any) are for individual use only. You will be responsible for the security of your password. ivari will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that ivari considers insecure, ivari will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, ivari reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. ivari reserves the right to investigate suspected violations of these Terms of Use.

You agree that ivari shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your password. If you permit access to your password by third parties, then you agree to defend, indemnify and hold ivari harmless against any liability, losses, damages or costs and expenses (including legal fees) arising out of, or resulting from, such access and related use of this Site. ivari reserves the right to block access to this Site for any reason. You also agree to immediately notify ivari if you:

become aware of any loss or theft of your password, or

become aware of any unauthorized use of your password.

Finally you acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, email or otherwise transmit any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased or used by ivari.

For your protection, ivari may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures in place to protect the loss, misuse and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your personal information.

ivari reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing ivari to disclose the identity of anyone posting any email messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS ivari FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ivari DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER ivari OR LAW ENFORCEMENT AUTHORITIES.

Your access to personal information at ivari

You may request disclosure of personal information held by ivari about you if such personal information is not available from any of ivari's financial advisers. In order to obtain such information ivari may have to charge you a nominal amount to cover the costs of conducting the search and providing copies. ivari will only disclose such personal information if it is not subject to legal privilege, does not refer to other persons, can be retrieved in a cost-effective manner, and is not otherwise legally restricted from being disclosed.

ivari will correct inaccurate personal information

ivari makes reasonable commercial efforts to ensure information (including personal information) is accurate. You can assist ivari by providing up-to-date information to ivari and notifying ivari of any inaccuracies in information.

Email

Certain portions of this Site may offer you the ability to email a message to ivari. Email functionality, if any, is provided to you to facilitate communications between you and ivari. You agree, however, that you will not use email to request, authorize or effect the purchase or sale of any securities or other product or service, to change your address or other account information, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or ivari policies and procedures. Any such requests, orders, or instructions that you send to ivari by email will not be accepted or processed by ivari. ivari shall have no liability for any loss or damage that arises from unaccepted email requests, orders or instructions. Moreover, ivari shall have no liability for any loss or damage that result from interception and/or unauthorized use by third parties of any information you send by email. For information regarding ivari's use of your email address, please review our Internet Privacy Policy.

Information you provide

You may not post, send, submit, publish, or transmit in connection with this Site any material that:

you do not have the right to post, including proprietary material of any third party;

advocates illegal activity or discusses an intent to commit an illegal act;

seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;

infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks or their rights of publicity;

violates any law or may be considered to violate any law;

impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;

advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this Site;

solicits funds, advertisers or sponsors;

includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;

disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise acts in a way which affects the ability of other people to engage in real time activities via this Site;

includes MP3 format files;

amounts to a "pyramid" or similar scheme;

disobeys any policy or regulations established from time to time regarding use of this Site or any networks connected to this Site; or

contains hyper-links to other sites that contain content that falls within the descriptions set forth above.

ivari reserves the right to monitor use of this Site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither ivari nor any third party that provides content to ivari will assume or have any liability for any action or inaction by ivari or such third party with respect to any submission.

Limitation of liability

THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ivari DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS OR WILL BE ERROR-FREE, ACCESSIBLE, UNINTERRUPTED, OR FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. ivari DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR CONDITIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, TIMELINESS OR OTHERWISE. YOU (AND NOT ivari) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO CONTRACT, TORT, NEGLIGENCE BY ACT OR OMISSION, AND FUNDAMENTAL BREACH, SHALL ivari OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE, BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE THE MATERIALS ON THE SITE, EVEN IF ivari OR A REPRESENTATIVE AUTHORIZED BY ivari HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT, HOWEVER, SHALL ivari ‘sTOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SITE

Links to third party Web sites

If you use any links provided in the Site to Web sites not owned, maintained nor hosted by ivari ("off-sites"), you will leave the Site. ivari is not responsible for any Off-site's privacy policies, terms of use, or the use of personally identifiable information by an off-site. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any off-Sites, and ivari takes no responsibility for such sites. A link to a service or Web site outside of the Site is not an endorsement by ivari of the service or the Web site, its content, or its sponsoring organization.

Use of this site

The Site is owned and operated by ivari. No materials found on the Site or any other site owned, operated, or licensed by ivari may be copied, reproduced, republished, uploaded, posted, transmitted or distributed by you in any way. You may access and use material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio, or video without ivari's prior written permission. ivari makes no warranty or representation as to whether your use of materials displayed on the Site may infringe rights of third parties not owned by or affiliated with ivari.

Jurisdictional

The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all provinces.

All insurance and/or securities transactions are conducted based on signed written agreements between ivari and its customers, and the terms of those agreements are binding on the parties. No other statement or representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements. Your use of the Site constitutes your agreement to the applicable Terms of Use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.

Your use of the Site, and this privacy policy and terms of use shall be construed and controlled by the laws of the Province of Ontario. Further, any dispute arising from your use of this Site, or this privacy policy and terms of use, or a breach of thereof, shall be governed by the laws of the Province of Ontario. By accessing this Site, you agree to submit to the jurisdiction of the courts of Ontario and agree that any claim initiated by you will be brought and adjudicated in Toronto, Ontario.

Trademarks, service marks and copyrights

Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site are the property of ivari and may not be used without ivari's prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.

Copyright

This Web site and all information provided herein are subject to the protection of copyright laws. Unless specifically provided for in writing, no part of this Web site may be duplicated or reproduced in any form whatsoever.

Any retransmission or other form of unauthorized copying is unauthorized and may be subject to legal proceedings.

Trademarks

™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks. All other names, logos, icons, graphics, images and designs used throughout this Web site are trademarks of ivari, whether registered or unregistered.

Any use, transmission, alteration or adoption of any trademarks depicted on this Web site is unauthorized and may be subject to legal proceedings.

Stock quote

All stock quotes appearing on the Site are not a current representation or a real time stock quote. ivari is not responsible for the accuracy of any pricing information. Please do not use such quotes for any formal analysis or estimation. Investment may increase or decrease in value according to fluctuations and changes in the market for that investment or other changes.

Premium rates

It is entirely possible that you may not qualify for some of the listed preferred life insurance premium rates. The premium rates are being provided for general information purposes only and are subject to ivari underwriting and other requirements. To obtain a more detailed and accurate plan for your personal situation, we recommend you contact an authorized ivari sales representative. You can find a local general agency online by using our agency locator.

Professional advice, non-recommendation, calculator data

Neither the online calculators nor their use are intended to supply advice of any type, including, without limitation, investment or tax advice. Although the services and the Site may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program, service or the suitability thereof for you. The information provided in the online calculators and the Site is not intended to supply professional tax, accounting, financial, or legal advice. You should always seek a personal consultation with a professional provider of such services. ivari does not offer legal or tax advice.

Indemnity

You will indemnify and hold ivari, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (“the Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and legal fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this Site.”

Please note that any information you send via email is sent via an unsecured email link. Due to the nature of the Internet, there is a possibility that unsecured (unencrypted) email could be intercepted and read by third parties. ivari assumes no responsibility for interception of confidential information that you send in an unsecured (unencrypted) email message. If you have a question or issues which involve personal or financial information.